Location: Florida

Sorry in advance for the long story but I need help!!

A year ago this month, I was rear ended on i95 going SB by a woman in a Range Rover due to her being rear ended by a guy in a Kia (I'll refer to them as RR and Kia). It all happened so fast but I saw everything clear as day from my side/rearview mirrors. 

We were in rush hour traffic so max speed wasn't over 20 mph at any given moment. I was keeping my distance from the car in front of me as I usually do when suddenly the traffic came to an abrupt stop. As I was braking, I looked over at my mirrors make sure no one was following close behind and brace for impact if I needed to. Sure enough, RR was simultaneously switching lanes behind me from the lane to my right and cut in front of Kia who hit her causing her to hit me. 

ATP I put my car in park and turned hazards on. I did not immediately get out of the car because I was 22 weeks pregnant at the time plus we were in the middle of a 4 lane highway with an express lane to our right so cars were zipping by. I look in the rearview and see RR on the phone so I did the same and called 911 to report the accident and request medical attention. As I am on the phone with dispatch, Kia bolts out out his car and heads for the bank and disappears.

I was able to get a good look at him and gave his description to the FHP. Soon after, they found him on the NB side. The trooper that was talking to me got a FT call from another trooper and asked me to identify the man. I confirmed it was him and he was arrested. 

Our vehicles were all drivable except the Kia so we followed the trooper and tow truck to a spot off the highway to exchange information. Kia arrived in the back of a patrol car and it was determined that he was not the registered owner of the car. He also denied being the driver or even knowing who's car it was. It was registered to a woman and insurance information was in the system so that's what was provided to me. FHP also found him to be at fault for the accident. 

I called Kia's insurance to open a claim. Since I was not at fault and my deductible is $1000, I was not going to start a claim with my own insurance. My car is a lease and it was less than a year old at the time so I was really determined to get it fixed as soon as possible. Low and behold, Kia has the most shit insurance ever "Star Casualty" and the representatives barely speak English.

They began their investigation and 6 months after me calling every week for an update (because they wouldn't call me for anything in the world), they told me the claim was denied because the owner of the car stated that the car was stolen. BS because it was not reported stolen at the time of the accident. I fought all their objections but the only thing they would say was that she wasn't the one driving so they don't need to do anything. 

After that, I tried calling RR insurance. To keep this long story short, they denied because she was not at fault but they didn't tell me that right away. 

So now, am I stuck paying $1000 deductible to get my car fixed with no rental coverage and an infant or do I have any other options?? I'm super pissed about this and it makes me feel even more like insurance companies are the biggest scam!

P.s. I was going to post this in r/legaladvice but they don’t allow photos

Florida car accident advice please!!